Join to apply for the Vice President Mortgage Manager role at WNB Financial, N.A.
Position Summary :
Responsible for management and leadership of the Mortgage Department, which includes the Loan Operations and Mortgage Origination teams. Loan operations underwrites, processes, closes, and services residential mortgage and consumer loans for the Bank. The Mortgage Originators work with prospects, clients, and related third parties to develop relationships and originate a variety of consumer residential mortgages. The Department Manager will work with originators to achieve production goals, and processors to achieve efficient department workflows and accurate output. The Department objectives are 1) Meeting production targets, 2) Maintaining a high quality portfolio, and 3) Maximizing external and internal customer satisfaction. The Department Manager must promote the Bank’s Trusted Financial Advisor model. The Manager must understand and complete job responsibilities in accordance with federal and state regulations, the Bank’s policies, and secondary market requirements.
Essential Functions
- Supervises the Loan Operations and Mortgage Origination Teams
- Ensures loan files are administered in compliance with federal and state regulations, the Bank’s loan policy, and secondary market requirements, as applicable
- Facilitates external and internal audits involving the Department
- Promotes a constructive work environment, provides team member role clarity, and effective and efficient processes and procedures
- Develops and leads initiatives to grow the Bank’s market share and the Department’s profitability
- Oversees efforts to develop Originators’ business referral networks through marketing, calling, prospecting, and networking activities
- Stays informed about industry opportunities, makes new product recommendations, and leads the related implementation efforts
- Ensures Originators work in alignment with the Bank’s credit culture and policies
Underwriting and Lender Support
Oversees underwriting standards for analysis of client information for loan eligibilityOversees underwriter standards for review of collateral, appraisal, and property evaluationsResponsible for ensuring loans meet internal or secondary market guidelines as applicableAdministers employee loansSystem Software
Manages the Department’s loan software applicationsEnsures full utilization of all applications and owns key vendor relationshipsAdditional Duties and Responsibilities
Develops and monitors work plans that align with the Bank’s strategic goalsProvides training, coaching, and guidance to support individual and team performanceResponsible for the management and administration / updating of the Department business continuity plans and programEnsures team member compliance with federal and state regulations, policies, and proceduresParticipates in training and development opportunities as requiredOther job related duties necessary to carry out the responsibilities of this positionRequirements
Requires a four-year college degree or equivalent experienceFive years of banking experience required, commercial or consumer loan operations or underwriting experience preferred, residential mortgage origination and / or administration experience preferredAt least three years management or supervisory experience strongly preferredMust possess excellent verbal and written communication skills for interacting professionally with clients and co-workersMust possess excellent computer skills and strong basic math skillsMust be able to deal effectively with time pressures and stress; and have highly effective problem solving and excellent technical research skillsMust be a self-starter and independent thinker and meet goals as agreed to with the CFOWorking Conditions
Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Frequent repetitive use of keyboard for approximately 6 hours per day. Hours of work are generally during regular business hours, with some variation for special projects, deadlines, and community events.
Seniority Level
Executive
Employment Type
Full-time
Job Function
Finance and Sales
Industries
Banking
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